UPDATED: Nov 30, 2018
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Homesite Insurance was founded in 1997 in Boston, MA, and has since expanded across the country, offering coverage in most states. They are a home insurance company, as the name implies and for much of their history offered solely home and renters policies.
In 2014, Homesite became a part of American Family Insurance, and their website now advertises that they also offer term life insurance, auto insurance, and commercial insurance. The auto and life insurance products are actually underwritten by American Family, while Homesite continues to write their home insurance policies. Commercial insurance also appears to be directly underwritten by Homesite.
Homesite Insurance Group has several member companies, and policies may be underwritten by any of those companies depending on where you live.
Homesite products are sold directly online and not through agents – with the exception of those that are through American Family, as an agent may be involved in those. They also partner with major car insurance companies to provide homeowner’s insurance in order to create a bundle for their customers – Progressive and Geico are among them.
Homesite’s website offers only basic information on their products, with an outline of standard and optional coverage for each option. Since they do not underwrite auto or life insurance, we will not go over those products in detail – check out our review of American Family Insurance for information on their auto and life products.
Homesite’s base insurance policy for a single-family home includes coverage for the structure and for personal possessions, as well as loss of use and medical payments to others. Unusually, the policy does not appear to come with liability insurance as a standard coverage.
The options listed are extended coverage on the house itself, coverage for special valuables, identity theft, and personal injury protection. While it is not named that way, the personal injury protection appears to be what would be called personal liability at most insurance companies. There is no explanation for this.
The Condo policy, on the other hand, does include personal liability as a standard coverage. In every other way, it is much the same as the home insurance policy, with the exception of the structure coverage that is not needed for a condo. Personal injury protection is again offered as an option.
Like the Condo policy, the Renter’s policy also includes personal liability coverage. It also adds mold protection as a standard coverage, which is pretty unusual for this type of policy.
Homesite also offers flood insurance as a separate add-on policy.
Similar to the personal side of things, Homesite does not provide much of a description of their commercial products.
Life and Auto
These two products are underwritten by American Family Insurance. The auto page takes you directly to that company’s website for a quote, but the life insurance appears to be sold and quoted by Homesite in spite of being an American Family product.
The life insurance policies offered are both term life, one being a standard term policy and the other an annual renewable policy. Limited information is offered on these products.
Since auto insurance with this company is actually written by American Family, we recommend visiting our review of that company in order to get rate and policy information.
We ran a quick quote for term life insurance, using the sample of a 30-year-old male non-smoker living in California. The coverage amounts offered in the quote ranged from $50,000 up to $250,000, with 10, 20, and 30-year terms available.
A $100,000 10-year level term policy was quoted at $14.90 a month. At 30 years, the same policy was quoted at $22.60 a month. Those rates are reasonable, but not the least expensive we have seen for similar coverage.
Claims can be filed online for almost any of the products offered by Homesite. There is also a toll-free number available. It is not stated whether or not this claims line is open 24/7, but it appears to be given that business hours are not listed.
The online claims system is only accessible by logging into the customer area of the account, which most customers should be able to access easily given they likely purchased their insurance policy that way.
There is a brief FAQ section on claims that cover the basics of the process on the company website. Homesite will assign an adjuster and then send an appraiser out to assess the damage, after which coverage and benefits will be determined.
Life insurance is the one product for which claims information is not listed in the main section. Life claims are handled through American Family – as are auto claims – but that information is only found in the fine print.
Ratings and Consumer Reviews
Homesite has an A+ rating with the Better Business Bureau (BBB). They are not accredited and have a total of 108 complaints closed in the past three years, with 22 of those in the past 12 months.
There have been 316 reviews posted on Consumer Affairs, giving the company a rating of just over 1 star overall. The majority of the reviews are negative. Most of these involve a very difficult claims experience.
Yelp has 12 reviews and a 1-star rating overall. The volume here is not too high, but the complaints are much the same.
A lot of the complaints appear to come from customers that purchased Homesite policies through Progressive or Geico; many of these customers were surprised to learn that they did not actually have a policy with the company they purchased through, an issue that cannot be blamed on Homesite.
The Bottom Line
Homesite likely gets a lot of its business through partnerships with other companies, and they may be a good choice if you are looking to bundle your Geico or Progressive policy. The general lack of details on their products makes it hard to determine what kind of value they offer, and it is, therefore, difficult to form a solid opinion of the company.
For a list of companies that we recommend, visit our Best Insurance Companies page.